Pricing
One fee. The rate you are quoted is what you pay.
Trade Lenda charges a single facility fee based on trade value and tenor. No origination surprise, no monthly admin charges, no early repayment penalty.
2.5%
Import finance starting rate per tenor
48 hrs
From application to capital decision
₦25k
Flat processing fee per application
Import finance and export finance rates
Rates are quoted per tenor, not per annum — which is standard practice in Nigerian short-term trade finance. Your exact rate within the range is determined by your AI risk score at the time of application.
Import Invoice Finance
2.5% – 4.5%
per tenor
- 48-hour funding decision
- AI risk pre-screening
- No collateral for qualifying trades
- NCS data integration
Pre-Shipment Export Finance
3.0% – 5.0%
per tenor
- Covers production and packing costs
- Buyer risk scoring included
- Aligned to your trade cycle
- AfCFTA corridor support
Pricing questions answered
No. If your buyer pays early or your trade settles ahead of schedule, you can repay Trade Lenda early with no penalty charge. We pro-rate the facility fee to the actual days used in some cases — this is confirmed at application time.
Your rate within the quoted range is determined by the AI risk score for your trade. Lower risk scores (strong customs history, reliable buyer, lower-risk commodity and route) receive rates toward the bottom of the range. Higher risk scores attract higher rates. The exact rate is quoted during your application review.
All fees are charged in Nigerian Naira (NGN). The processing fee of ₦25,000 is collected at application. The facility fee is deducted from the disbursed capital amount — so what hits your account is the advance amount net of the facility fee.
The facility fee covers financing cost only. It does not cover NCS customs duties, port charges, freight or insurance costs, or any third-party fees your shipment incurs. Trade Lenda is a lender, not a customs agent or freight forwarder. Those costs are separate and remain your responsibility.